In India, Credit Card Terms Prompt Indignation - New York Times
There is a cure for all these non sense, that is to use Debit card. Before the debit card, even the people who had money in their bank could not use it readily.
I thought credit card was indispensable, till I forgot to renew my credit card. (but not to take another credit card was influenced by the credit card bank itself, which made it as a battle to reclaim the extra money that I HAVE PAID).
This made me wonder about the CRM package that they are using and also effectiveness of this CRM business on the whole. A person pays the dues on or before time for almost 90% of the time and you still make him suffer, where is the CRM when you need it :(
I do not know if the CRMs have failed or businesses have failed the CRM. I always get a reminder when I have to give but never when the business have to give me something. To give an example, when was the last time you ever got a reminder that you have accumulated so many loyalty points and how you want to use it?
Anyway I ditched the credit cards for good and now I am living happily ever after :)